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Private Credit. A Smarter Income Strategy for 2025.
Australia’s interest rate landscape has shifted. Traditional income sources no longer deliver real returns. On this 15-minute call, licensed adviser Maxwell Ni will walk you through how private credit is reshaping the income core of sophisticated portfolios.
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Why Traditional Income Strategies Are Falling Short
In 2025, fixed income is failing to deliver. Cash rates and term deposits are being outpaced by inflation, and bonds come with duration risk.
- Most income-focused investors are stuck between:
- Negative real returns on cash and deposits
High volatility in dividend-heavy equity portfolios
Private credit offers a third path. This strategy was built for portfolios that need more than what the traditional market delivers.
What Is Private Credit — and Why Now?
Private credit is lending that happens outside the banks — a space traditionally dominated by institutions and family offices. These aren’t term deposits or bonds. This is structured, secured capital deployed into the real economy through:
Senior secured loans
Asset-backed lending
Revenue-based or bespoke term debt
For investors, private credit offers:
Target returns of 10–15% p.a. (depending on structure and duration)
Cash flow — often monthly or quarterly distributions
Downside protection through secured lending
Low correlation to shares or property markets
Floating-rate exposure, offering a hedge against inflation
Used wisely, private credit can support consistent income and capital preservation without overreaching on risk
Is This a Fit for You?
SMSF trustees or individual investors with $500K+ ready to deploy
Those seeking monthly income and capital stability
Investors disappointed by traditional fixed income or term deposits
Individuals exploring uncorrelated, defensive strategies in 2025
But don't worry, we can help!
Your Investment Adviser: Maxwell Ni
Maxwell Ni brings over a decade of elite financial services experience, from record-setting performance at ANZ Wealth to advising Ultra High Net-Worth individuals and prominent Family Offices at Viriathus Capital.
Today, he helps wholesale investors access high-conviction private credit strategies—off-market opportunities typically reserved for institutions. Through long-standing relationships with top-tier fund managers, Maxwell curates private debt exposures that target consistent income, low volatility, and minimal exposure to equity market swings.
Maxwell Ni operates under River X Financial Services Pty Ltd and is an authorised representative under ASIC Australian Financial Services Licence (AFSL) 556458
What We’ll Explore Together
Our 20-minute Right Fit consultation is designed to help you make an informed decision. During this call, Maxwell will personally review your current allocation strategy, assess your eligibility and outline how a private credit allocation might fit your strategy.
He will also cover:
What private credit actually is (and isn’t)
How it compares to traditional fixed income strategies
Where it may fit in your overall portfolio construction
What access paths exist — and how we evaluate them
No Cost, No Obligation - This strategy session is completely complimentary for qualified wholesale investors. Maxwell's expertise is yours to explore without any financial commitment.
Important Eligibility Criteria
This opportunity is open to wholesale and sophisticated investors only.
You may qualify if you:
Control net assets of $2.5 million or more (individuals/trusts)
Invest ≥$500,000 in a single wholesale offer
SMSFs meeting fund net assets ≥$10 million
Or have previously made investments of this size
Earned $250,000+ annual income for two consecutive financial years
Build a Smarter Income Portfolio.
Book your introductory consultation and explore how private credit could fit into your portfolio.
STILL GOT QUESTIONS?
Frequently Asked Questions
What are the typical credit spreads and risk-adjusted returns versus public credit?
Our private credit investments aim for net returns of 8–14% per year. They usually offer 400–800 basis points (4–8%) above risk-free rates, depending on the loan type and risk. Compared to similar public credit, they typically earn 2–4% more with less price volatility.
How do you divide investments across direct lending, distressed credit, and specialty finance?
We usually invest:
40–50% in senior direct lending (first lien loans)
20–30% in distressed or opportunistic credit
20–30% in specialty finance (e.g., asset-backed loans, trade finance, infrastructure debt)
Exact splits depend on the market and your risk appetite.
What’s the typical borrower profile and loan-to-value ratio?
We lend mostly to mid-sized companies earning $10M–$100M in EBITDA. Senior loans have average leverage of 3.5–5.5x. These businesses usually have solid cash flow, strong market positions, and experienced leadership. Loans include strong covenants and regular financial reporting.
What are the redemption terms and capital call process?
These are usually closed-end funds.
Investment periods last 3–5 years, followed by 2–4 years to exit the investments.
Capital is called in stages over the first 12–18 months (usually 4–6 calls).
Some funds allow limited redemptions or secondary sales, but most investors treat them as long-term (4–7 years), illiquid investments.
This communication is general in nature and does not take into account your personal objectives, financial situation, or needs. Any investment involves risk, and past performance is not a reliable indicator of future returns. Opportunities discussed are only available to wholesale or sophisticated investors as defined under the Corporations Act 2001.
River Investment Management Pty Ltd (ABN 44 601 472 753) is a Corporate Authorised Representative (CAR 001301361) of Rivkin Securities Pty Ltd (AFSL 332802).
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